Tag Archives: community rating

A national market in health insurance

Posted on August 28, 2008 by Brian Schwartz

Grace-Marie Turner makes a good case for it in yesterday’s Wall Street Journal: Much to our surprise, the Census Bureau reported yesterday that the number of people in the U.S. with health insurance actually increased by 3.6 million last year. … Continue reading →

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Make ‘em argue honestly for community rating

Posted on July 29, 2008 by Brian Schwartz

Summary: community rating (CR) forbids insurance companies from risk-rating their premiums.  Say someone supports this because it supposedly helps make insurance more affordable and accessible to higher-risk consumers.  You could counter this with empirical evidence that it’s not effective.  But more … Continue reading →

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Guaranteed issue & community rating backfire

Posted on June 23, 2008 by Brian Schwartz

From a recent report by Americas Health Insurance Plans and Milliman, Inc.: Guarantee[d] issue requires insurers to sell an individual health insurance policy without regard to a person’s health and community rating requires that all consumers pay the same or … Continue reading →

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